The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$36,632
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,771
−HK$1,158/mo
Today · 4.125%
HK$38,929
baseline
▲ 0.50% · 4.625%
HK$41,298
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,858/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,752
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,845
−HK$1,109/mo
Today · 4.125%
HK$42,954
baseline
▲ 0.50% · 4.625%
HK$45,218
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,908/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,958
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,325
−HK$1,390/mo
Today · 4.125%
HK$46,715
baseline
▲ 0.50% · 4.625%
HK$49,557
+HK$2,842/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,430/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,903
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,214
−HK$1,331/mo
Today · 4.125%
HK$51,545
baseline
▲ 0.50% · 4.625%
HK$54,262
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,090/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,284
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,880
−HK$1,620/mo
Today · 4.125%
HK$54,500
baseline
▲ 0.50% · 4.625%
HK$57,817
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,000/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,053
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,583
−HK$1,553/mo
Today · 4.125%
HK$60,136
baseline
▲ 0.50% · 4.625%
HK$63,306
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,272/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,937
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,988
−HK$2,084/mo
Today · 4.125%
HK$70,072
baseline
▲ 0.50% · 4.625%
HK$74,336
+HK$4,264/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,144/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,354
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,322
−HK$1,995/mo
Today · 4.125%
HK$77,317
baseline
▲ 0.50% · 4.625%
HK$81,393
+HK$4,076/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,634/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,427 · Scale 2, in force from 26 Feb 2026)